VEL NYSE
Velocity Financial, Inc.
1W: +1.6%
1M: -9.1%
3M: -7.6%
YTD: -10.0%
1Y: +5.3%
3Y: +98.9%
5Y: +59.8%
$17.17
-0.38 (-2.17%)
Weekly Expected Move ±5.1%
$15
$16
$17
$18
$19
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Income Statement
Cash Flow
Balance Sheet
Earnings
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Cash Flow Trends
Operating Cash Flow
$18M
-51.9% ▼
5Y CAGR: -19.8%
Capital Expenditures
$281K
+2.8% ▲
5Y CAGR: -29.1%
Free Cash Flow
$18M
-52.3% ▼
5Y CAGR: -19.6%
Dividends Paid
$0
+0.0% ▲
Buybacks
$7M
+0.0% ▲
Net Change in Cash
$178M
+1903.9% ▲
Cash Flow Composition
Year-over-Year Growth
View Full Cash Flow Statement
| Line Item | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|---|
| — Operating Activities — | |||||
| Net Income | $29M | $33M | $52M | $68M | $105M |
| Depreciation & Amort. | $2M | $2M | $2M | $2M | $2M |
| Stock-Based Comp. | $2M | $3M | $0 | $6M | $8M |
| Change in Working Capital | $13M | -$18M | $17M | $20M | -$1M |
| Other Non-Cash Items | $21M | $17M | -$9M | -$47M | -$88M |
| Operating Cash Flow | $58M | $49M | $61M | $38M | $18M |
| — Investing Activities — | |||||
| Capital Expenditures | -$135K | -$326K | -$180K | -$289K | -$281K |
| Acquisitions (Net) | -$11M | $0 | $0 | $0 | $0 |
| Investment Purchases | -$2M | $0 | -$38M | -$17M | $0 |
| Investment Sales | $23M | $0 | $57M | $50M | $129M |
| Other Investing | -$667M | -$908M | -$616M | -$1.1B | -$1.7B |
| Investing Cash Flow | -$656M | -$908M | -$597M | -$1.0B | -$1.5B |
| — Financing Activities — | |||||
| Net Debt Issuance | $654M | $899M | $535M | $1.0B | $1.6B |
| Stock Repurchased | $0 | -$458K | -$861K | $0 | -$7M |
| Dividends Paid | $0 | $0 | $0 | $0 | $0 |
| Other Financing | -$28M | -$26M | -$280K | -$6M | -$47K |
| Financing Cash Flow | $626M | $874M | $536M | $1.0B | $1.7B |
| Net Change in Cash | $27M | $14M | -$129K | $9M | $178M |
| Cash End of Period | $48M | $62M | $62M | $71M | $249M |
| Free Cash Flow | $57M | $48M | $61M | $37M | $18M |